The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$107,750
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,102
−HK$3,405/mo
Today · 4.125%
HK$114,507
baseline
▲ 0.50% · 4.625%
HK$121,475
+HK$6,968/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$229,014/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,871
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,086
−HK$3,262/mo
Today · 4.125%
HK$126,348
baseline
▲ 0.50% · 4.625%
HK$133,008
+HK$6,660/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$252,696/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,301
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,323
−HK$4,086/mo
Today · 4.125%
HK$137,409
baseline
▲ 0.50% · 4.625%
HK$145,770
+HK$8,361/mo
Deposit HK$18.90M · loan HK$28.35M · min. income ≈ HK$274,818/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,846
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,703
−HK$3,914/mo
Today · 4.125%
HK$151,617
baseline
▲ 0.50% · 4.625%
HK$159,609
+HK$7,992/mo
Deposit HK$18.90M · loan HK$28.35M · min. income ≈ HK$303,234/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,851
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$155,543
−HK$4,767/mo
Today · 4.125%
HK$160,310
baseline
▲ 0.50% · 4.625%
HK$170,065
+HK$9,755/mo
Deposit HK$14.18M · loan HK$33.08M · min. income ≈ HK$320,620/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,820
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$172,321
−HK$4,566/mo
Today · 4.125%
HK$176,887
baseline
▲ 0.50% · 4.625%
HK$186,211
+HK$9,324/mo
Deposit HK$14.18M · loan HK$33.08M · min. income ≈ HK$353,774/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,951
−HK$12,162/mo
▼ 0.25% · 3.875%
HK$199,984
−HK$6,129/mo
Today · 4.125%
HK$206,113
baseline
▲ 0.50% · 4.625%
HK$218,655
+HK$12,542/mo
Deposit HK$4.73M · loan HK$42.53M · min. income ≈ HK$412,226/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,768
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$221,555
−HK$5,871/mo
Today · 4.125%
HK$227,426
baseline
▲ 0.50% · 4.625%
HK$239,414
+HK$11,988/mo
Deposit HK$4.73M · loan HK$42.53M · min. income ≈ HK$454,852/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,008,281 · Scale 2, in force from 26 Feb 2026)